Best Banks in Nebraska
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Whether you live in a farming community, city or somewhere in between, you can choose from any number of banks and credit unions in Nebraska. The state’s financial institutions include local, regional and national banks, each of which has unique benefits. In this guide to the best Nebraska banks, GOBankingRates reviews its top picks for checking, savings and certificates of deposit (CDs).
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GOBankingRates' editorial team is committed to bringing you unbiased bank reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our in-depth bank review methodology.
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TOP NEBRASKA BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Highlights
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Detailed Reviews of the Best Banks in Nebraska
Here’s a look at the top banks in Nebraska for 2025.
Gold Winner: Pinnacle Bank
Pinnacle Bank is part of a large banking group operating in eight states, but it’s a community bank at heart. Family owned and managed, Pinnacle is an integral part of the communities it serves.
The Better Business Bureau (BBB) rates Pinnacle an A+, and the bank has a five-star “superior” rating from Bauer Financial.
Best For
Digital Banking
Credit Cards
Auto Loans
Investment Services
Competitive Interest Rates
Free Checking and Savings, Plus Competitive Rates
Pinnacle Bank has several checking accounts to choose from, including a free account and premium accounts that earn interest along with other perks. Pinnacle also has a savings account earning APY, which is more than double the national average.
Total Branch Locations
Over 65
Mobile App Rating
4.8 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, money market, CDs, credit cards, auto loans, home and personal loans
Pros
- Competitive rates on interest checking, savings and money market accounts
- Large selection of checking accounts, some with special benefits for students, seniors and members of the military
- Daily customer service by phone
Cons
- CDs not available online
- High minimum balances on most accounts
- $5 fee for paper statements
Why We Like Pinnacle Bank
Pinnacle Bank epitomizes community banking with an excellent selection of deposit accounts, many of which earn higher-than-average APYs. The bank also prioritizes customer service, providing several ways for customers to get support.
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Silver Winner: Union Bank and Trust Company
Union Bank and Trust is a family-owned bank with a long list of Lincoln Choice Awards attesting to its community commitment. Established in Lincoln in 1917, the bank has grown to provide banking products and services in three states.
UBT has an A+ rating from the BBB and a five-star “superior” rating from Bauer Financial.
Best For
Wealth Management Services
Mobile App
Personal Loans
Low Monthly Fees
Home Loans
Bonuses for New Checking Customers
Union Bank and Trust Company has an excellent selection of checking accounts, including a free account and bonus-eligible accounts that earn interest or provide special benefits for customers. Basic savings only requires a $100 to avoid the fee, and the money market earns above-average rates.
Total Branch Locations
37
Mobile App Rating
4.9 on the Apple App Store and 4.7 on Google Play
Other Products Offered
Checking, savings, money market, CDs, investing, credit cards, wealth management, home, auto and personal loans
Pros
- Up to $500 bonus when you meet certain requirements
- Excellent CD rates
- Daily customer service by phone
Cons
- High minimum opening deposit for some accounts
- High overdraft fees
Why We Like Union Bank and Trust Company
To encourage community engagement, UBT offers an online sponsorship request form. The commitment is equally evident in its account selection, competitive rates and checking bonuses for new customers.
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Bronze Winner: First National Bank of Omaha
First National Bank of Omaha has a 165-year history of prioritizing the financial health of Nebraskans and their communities. It, like Nebraska’s other top banks, was founded in Nebraska and is family-owned. The BBB rates FNBO an A+.
Best For
Checking Accounts
Mobile Banking
Loan Options
Credit Cards
Investment Services
No Fees or Minimums With Basic Checking and Savings
FNBO has one of the best Nebraska checking accounts available, with no fees or minimums. The bank also has a premium account and a debit-only account with no overdraft fees. Savers will enjoy the Flex Savings account, which has a locked-in rate of up to APY with checking relationship.
Total Branch Locations
100
Mobile App Rating
4.8 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, money market, CDs, credit cards, investments, home, auto and personal loans
Pros
- Good selection of checking accounts
- Competitive CD rates and reasonable $500 minimum deposit
- Large ATM network
Cons
- Minimum $15,000 balance needed to waive fee on interest-bearing checking
- Customer service hours are not transparent
Why We Like First National Bank of Omaha
Although FNBO’s checking account selection is smaller compared to other top banks, what they do offer should cover most Nebraskans’ needs. But the real standout is Flex Savings, whose high yields make it one of the best savings accounts in Nebraska.
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Best Checking Accounts
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CD Account Rates
Best Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 26, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in Nebraska
Keep the following considerations in mind when researching Nebraska banks:
- Big vs. small: Community banks like Pinnacle, Union Bank and Trust Company and FNBO are known for personalized service, better APYs and high levels of community involvement. However, larger banks might offer more perks and easier access to branches and ATMs.
- Account selection: Look for accounts that suit your priorities, whether that means high yields, no minimums, no overdrafts or relationship rewards.
- Loan products: It can be easier to get a loan from a bank that you have a relationship with. It can also earn you relationship status, which often means discounted loan rates.
- Fees: Fees chip away at your account balances, so avoid them whenever you can. Although free accounts are often short on perks, many banks have low minimum requirements to have monthly fees waived. Also consider overdraft and ATM fees.
- Digital app: The bank you choose should let you do most, if not all, of your banking online. That means easy mobile or ATM deposits, full account management tools and secure ways to pay bills and send payments to family and friends.
- Community involvement: Banks support their communities by helping people manage their money, loaning residents and businesses the funds they need to reach their goals and donating time and money to local organizations.
Bottom Line
Nebraska has no shortage of banks, which can make it difficult to find the right one. Be mindful of your priorities while reading about GOBankingRates’ top picks, then open an account at the bank you like best.
FAQs About Banking in Nebraska
Here's more information to help you find the best Nebraska bank for your needs.- What is the best bank for high-yield savings in Nebraska?
- FNBO has the best high-yield savings account. It’s called Flex Savings, and it comes with a fixed rate.
- Which banks have the most ATMs in Nebraska?
- FNBO offers access to 55,000 ATMs nationwide.
- Are there any banks in Nebraska with no monthly fees?
- No bank reviewed by GOBankingRates is completely without fees, but each of the top Nebraska banks above have accounts with no fees or fees that are easily waived.
More Resources for Banking
Find the Best Bank Accounts
Best Checking Accounts
Best Savings Accounts
CD Account Rates
Best Money Market Accounts
Daria Uhlig contributed to the reporting for this article.
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